Discover it® Credit Card

Updated: Feb 23, 2021

Advertiser Disclosure

The Discover It credit card is packed with benefits that can be used all year long. There is no annual fee and a low APR. With 1% cash back on all purchases and 5% cash back on purchases within various categories that change, cardholders have an easy and affordable way to spend.

ANNUAL FEE

$0

ONGOING APR

11.99% - 22.99% Variable

INTRO APR

0%

225 User Ratings

Discover it® Credit Card

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Introductory APR

0%

Intro APR Period

14 months

Minimum Credit Score

Excellent

Key Features

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 11.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 5% cash back for online shopping and department store purchases on up to $1,500. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

Our Take

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Basic Information
Issuer: Discover Bank
Network: Discover®
Category: Consumer (Regular)
Review: Full Card Review
Best Used For:
  • Instant Decision
  • Low Interest Rate
  • No Foreign Transaction Fee
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Balance Transfer
Intro Period: 14 months
Regular APR: 11.99% - 22.99%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 24.99%
Grace Period: 25 days
Late Payment Fee: Up to $40
Other Fees:
  • Returned Payment: Up to $40.00

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Additional Information & Comments

See Discover's application for complete Terms & Conditions.

Non-Affiliate Offer Disclosure
*The information provided for Discover it® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Discover it® Credit Card

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Discover it® Credit Card

Discover it® Credit Card

Min. Credit Required: Excellent

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.